| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| EBS INSURANCE BROKERS3 | ONE GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CENTER STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 3.22% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 19.85% |
| DIGITAL INSURANCE LLC3 | 10800 BISCAYNE BLVD STE 250 MIAMI, FL 33161 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.92% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $35 | — | $35 | 0.28% |
| CHRISTINE ROEBUCK4 | STE 459 4240 PORTSMOUTH BLVD CHESAPEKE, VA 23321 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 20.38% |
| THE ROEBUCK GROUP LLC4 | 4240 PORTSMOUTH BLVD STE 459 CHESAPEAKE, VA 23321 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $253 | — | $253 | 2.06% |
| UNIQUE BENEFITS GROUP INC4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $62 | — | $62 | 0.50% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 260 | $13K |
| Vision | VISION SERVICE PLAN | 593 | $76K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,152 | $83K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $181K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $117K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,152 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.